摘要：Spread of the IT and Internet served as an important turning point for consolidating digital economy growth and for building national economy’s competitiveness worldwide. Among them, emergence of e-money grew into important issue of e-commerce, and it can be considered futuristic currency revolution that replaces traditional payment methods such as cash, check and others. Recently, e-money for supporting SNS(Social Network Service) service is very popular among the young generation members. Likewise, diverse e-currencies provide many conveniences as they consolidated as a culture in our everyday life. This research designed and implementation in-house e-money using Java Card technology. In-house e-money is e-money that is used in one organization, and charging, payment, adjustment and refund take place within the organization. We focused mostly on the e-money security since e-money is personal asset. In other words, we used by realizing Java Card based technology with superb security and by developing e-money Java applet to ensure safe e-money management. Moreover, algorithm for hash encryption was applied to transmit data safely within the organization when it comes to charging, authorization, adjustment and refund. Algorithm for hash encryption was applied to transmit data safely. E-money will now consolidate its position as a part of our everyday life. Furthermore, hopefully, e-money of the in-house method will be utilized to create profit and as a new business culture.
